What is the deductible for illness claims under Hospital Income Protect Plus?

What is the deductible for illness claims under Hospital Income Protect Plus?

• A. Zero deductible
• B. One-day deductible
• C. Two-day deductible
• D. Three-day deductible

Answer: (C)

In Hospital Income Protect Plus, the deductible for illness claims is the number of hospital confinement days that must pass before any daily benefits are payable for illness. A two-day deductible means the first two days of hospitalization due to illness are not paid, and benefits begin on day three. If the stay is only one or two days, there would be no illness indemnity; if the stay lasts longer (three days or more), the daily benefits apply starting on the third day, up to policy limits. This setup differentiates illness claims from shorter stays and helps control costs.

In Hospital Income Protect Plus, the deductible for illness claims is the number of hospital confinement days that must pass before any daily benefits are payable for illness. A two-day deductible means the first two days of hospitalization due to illness are not paid, and benefits begin on day three. If the stay is only one or two days, there would be no illness indemnity; if the stay lasts longer (three days or more), the daily benefits apply starting on the third day, up to policy limits. This setup differentiates illness claims from shorter stays and helps control costs.